It is increasingly important to consider pensions alongside other assets when planning For families with substantial pension savings, the rules are changing. From 6 April 2027, most unused pension funds and pension death benefits will form part of an estate’s value for Inheritance Tax (IHT) purposes. The change could prompt

Why couples should talk about pensions and retirement plans Many couples plan their holidays, household budgets and major purchases together, yet pensions and retirement can be overlooked. Research suggests that fewer than one in five non-retired people have discussed their pensions or retirement plans with their partner, potentially leaving one

Nearly a third of retirees say their standard of living is worse than before retirement Retirement is often imagined as a chance to relax, travel and spend more time with family and on hobbies. However, new research suggests the reality can be more financially demanding than expected. Nearly a third

Geopolitical tensions, trade disputes and energy shocks can quickly affect markets Diversification enables investors to avoid putting too much of their financial future at risk. Investing always involves uncertainty, but the geopolitical backdrop has become increasingly difficult to predict. Conflicts in the Middle East and Ukraine, tensions between major economies

With the main taxes ruled out, attention is shifting to other revenue generators As Chancellor John Healey delivers his first Autumn Budget on 28 October 2026, the government faces a difficult balancing act. Prime Minister Andy Burnham has committed to Labour’s manifesto pledge not to raise the main rates of

From cold calls to fake investments, recognise the warning signs of pension scams Imagine losing your entire pension pot in the blink of an eye. Years of hard-earned savings could vanish after a seemingly convincing investment opportunity turns out to be a scam. Pension fraudsters can be persuasive, using professional-looking